Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.

Abstract: A system generally for personalizing and synchronizing fob data in the context of a distributed transaction system is disclosed. A dynamic fob synchronization system may comprise point of service (POS) devices configured with transponder-readers to initiate a transaction in conjunction with a fob, an enterprise data collection unit, and a fob object database update system. An exemplary dynamic synchronization system (DSS) may comprise various fob POS devices, a secure support client server, a fob object database update system (FODUS), one or more enterprise data synchronization interfaces (EDSI), an update logic system, one or more enterprise data collection units (EDCUs), and one or more fob POS devices configured to interoperably accept and interface with fobs. In an exemplary embodiment, DSS may comprise a personalization system and an account maintenance system configured to communicate with FODUS.

Abstract: A transaction device system is associated with a transaction device proxy account identifier, which may be stored in a database on the transaction device system and may be associated with a transaction account identifier for use in completing a transaction. The proxy transaction device identifier may include at least a first portion which corresponds to a portion of the transaction device identifier. The first portion of the proxy transaction device identifier may be segmented into proxy fields where a first segment includes a portion of a transaction account data set, and a second segment has encoded therein an account provider desired information. The proxy account identifier segments are undetectable by receiving systems such that the proxy account identifier emulates a merchant recognizable data transfer format. The account provider system uses the first portion of the transaction device identifier to reassemble the transaction device identifier for use in transaction completion.

Abstract: The invention relates to transaction tokens (“fobs”) having wireless functionality and methods of using the same. More specifically, fobs having radio frequency functionality such that information, such as payment information, identification information, or other like information, may be wirelessly transmitted from a memory within the fob to a receiver are disclosed. The fobs of this invention may comprise a microchip or other memory component, and/or antenna disposed on or within an insert and encased within an enclosure in an interior compartment. The fobs may have a quick-release mechanism for easily attaching to and detaching from a securing device, such as a keychain or the like. Moreover, the interior compartments of the fobs may be easily accessible for replacing the enclosed insert.

Abstract: A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.

Abstract: An authorized sample receiver configured to verify an RF device in response to proffered biometric sample data is disclosed. The authorized sample receiver may be configured to receive data from the RF device and decrypt an encrypted authentication code using a unique device identification code. The RF device is authenticated in response to verifying proffered biometric sample data and the authentication code.

Abstract: The present invention provides a system and methods for a radio frequency identification (RFID) system which securely and conveniently integrates important travel-related applications. In accordance with one aspect of the present invention, an RFID system comprises a transponder identification application and various additional applications useful in particular travel contexts; for example, airline, hotel, rental car, and payment-related applications. In accordance with another aspect of the present invention, an RFID system further comprises space and security features within specific applications which provide partnering organizations the ability to construct custom and secure file structures.

Abstract: A system generally for personalizing and synchronizing fob data in the context of a distributed transaction system is disclosed. A dynamic fob synchronization system may comprise point of service (POS) devices configured with transponder-readers to initiate a transaction in conjunction with a fob, an enterprise data collection unit, and a fob object database update system. An exemplary dynamic synchronization system (DSS) may comprise various fob POS devices, a secure support client server, a fob object database update system (FODUS), one or more enterprise data synchronization interfaces (EDSI), an update logic system, one or more enterprise data collection units (EDCUs), and one or more fob POS devices configured to interoperably accept and interface with fobs. In an exemplary embodiment, DSS may comprise a personalization system and an account maintenance system configured to communicate with FODUS.

Abstract: A system and method for using RFID technology to track resource performance and task completion is disclosed. In one exemplary embodiment, a fob and an RFID reader may engage in mutual authentication. Where the RFID reader and the fob successfully mutually authenticate, the fob may transmit to the RFID reader information identifying the resource's performance tracking account to which the fob is associated. The RFID reader may receive and forward the information to facilitate performance tracking. In one exemplary embodiment, the RFID reader may forward the information to a point of interaction terminal for transaction completion. In another exemplary embodiment, the fob completes tasks via a computer interface. In still another exemplary embodiment, the fob resource and/or a manager may access a resource engine, wherein the resource engine may be used to automatically grade, track, score, and assign resources based on resource skills and skill sets.

Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.

Abstract: A system and method for securing a Radio Frequency (RF) transaction using a RF identification device (RFID) transaction device is provided. The RFID transaction device includes a transactions counter for tallying the number of transactions attempted or completed with the RFID transactions device. The counter may be incremented by any predetermined amount, which may be predefined for a particular transaction device counter. The counter value is provided to an account issuer for use in determining if the counter value has exceeded a predetermined value correlative to the maximum number of transactions which may be completed using a transaction device.

Abstract: The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.

Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.

Abstract: A network interface, including a referral receiver, a payment processor and a referral matching module. The referral receiver receives a referral presented to a user and the payment processor performs a transaction. In turn, the referral matching module matches the referral with the transaction and communicates the match to a network associated with the referral.

Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.

Abstract: A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.

Abstract: The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.

Abstract: Transaction tokens (“fobs”) having wireless functionality and methods of using the same are provided. More specifically, fobs are provided having radio frequency functionality such that information, such as payment information, identification information, or other like information, may be wirelessly transmitted from a memory within the fob to a receiver. The fobs provided herein may comprise a microchip or other memory means, and/or antenna disposed on or within an insert and encased within an enclosure in an interior compartment. The fobs may be provided with a quick-release mechanism for easily attaching to and detaching from a securing means, such as a keychain or the like. Moreover, the interior compartments of the fobs may be easily accessible for replacing the insert contained therein.

Abstract: A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.

Abstract: A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.